Greg Della Penna Citizens Bank

Greg Della Penna

Senior Loan Officer at Citizens

NMLS ID #697531

Main Number
(856) 703-2670(856) 703-2670


50 Tice Boulevard
Suite 185
Woodcliff Lake, NJ 07677


Main Number
(201) 690-5110(201) 690-5110
(914) 262-8821(914) 262-8821
Fax Number
(866) 386-4340(866) 386-4340
Mortgage Calculator
What Can I Afford

About Us

About Me

You can count on me to listen to your needs first before recommending a financing solution for your home purchase or refinance. While I specialize in jumbo, construction-to-permanent, and tandem loans, I’m also knowledgeable about a broad range of borrowing options for first-time homebuyers, medical professionals, veterans, home investors and repeat buyers. As a portfolio lender, Citizens Bank is also able to offer common-sense underwriting and flexibility for its portfolio products as well as provide a variety of home loan programs to suit just about any need.

I have 30 years of experience in the mortgage industry putting my expertise to work for thousands of satisfied clients in the Tri-State Region. And even if you live outside of New York, New Jersey or Connecticut, I can still assist you with your home financing needs. It’s my goal to help you find the mortgage that’s right for you, which is why I’m committed to answering your questions – big or small. It’s never too early to explore your options, so contact me today!


  • 2009-2017 Citizens of Excellence Winner (consecutive winner since award program inception)
  • 2009-2019 Citizens Bank President's Club
  • President's Club winner at previous employer for 21 consecutive years

Education & Certifications

  • Bachelor of Science in Economics from St. Bonaventure University
  • Citizens Bank Construction-to-Permanent Certified
  • VA/FHA trained
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About Citizens

Our team of mortgage experts at Citizens is committed to helping customers find the home loan solution that’s right for them. Citizens is one of the nation’s oldest and largest financial institutions, with a nearly 200-year history of serving customers and communities. Whatever your mortgage needs—buying a home, building a home, or refinancing an existing mortgage—we’ll provide answers and insights to guide you through the process, from application to closing.

Featured Products & Services

  • Fixed and adjustable rate mortgages
  • Affordable home financing programs
  • FHA/VA loan programs
  • Jumbo loans
  • Condo financing
  • Physician home loans
  • Second home and investment property loans
  • Construction-to-permanent financing
  • Renovation-to-permanent financing

Fast. Convenient. Easy. Apply Online Today.

Our simple online mortgage application process makes it faster for you to get a new home loan. Easily connect your financial documents and get through the application in as little as 10 minutes!²

Manage Your Mortgage on the Go

The Citizens One Home Loans® mobile app is an easy and convenient way to manage your Citizens mortgage on the go. Available from the App Store® or Google Play.³ Download and register today!

Get 0.125% Mortgage Interest Rate Discount

Ask me how you could save money when you set up automatic payments from your Citizens checking account and enroll in electronic billing statements for your new home loan.

Mortgage Calculator
This simple purchase mortgage calculator is an illustrative tool to help you estimate what your monthly mortgage payment could be when shopping for a home. You can adjust your loan amounts, interest rate and loan term to see how much your payment might change. It’s important to know that your specific interest rate will depend on your overall credit profile including your credit score, income, and debt-to-income ratio (the sum of all of your debts and new mortgage payment divided by your gross monthly income). I am happy to help explain the details and all the different product options we have available so you have a more definitive idea of how much house you can afford.
Calculate Your Monthly Payments*
Calculate Your Maximum Loan Amounts*
Loan Amount
Interest rate (%)
Loan term
Interest rate and loan term are both required. Loan term must be between 120 and 360 months.
Monthly Payments
Total Cost of Mortgage $400
Monthly Payments
Interest rate (%)
Loan term
Interest rate and loan term are both required. Loan term must be between 120 and 360 months.
You Could Borrow
Total Cost of Mortgage $400
*Disclosure: The above tool estimates potential fixed rate monthly mortgage payments for purchase transactions and does not include property taxes, homeowners’ hazard insurance, mortgage insurance, flood insurance, homeowners association fees, closing costs or any other related monthly fees. This calculator is intended for informational purposes only and accuracy is not guaranteed. This calculator does not assure the availability of or your eligibility for any specific product offered by Citizens or its affiliates, nor does the calculator predict or guarantee the actual rate. You are viewing a third party created calculator and as such, Citizens assumes no responsibility for, nor does it control, endorse or guarantee any aspect of your use of this calculator.

Mortgage Learning Center

We’re here to make sure you have the resources and solutions to help you reach your potential.Starting your research early is often the key to a successful financial transaction. With that in mind, we’ve put together a selection of articles to help you learn more about mortgages and the home buying process.